FAQs
Every Stocks and Shares ISA, Junior Stocks and Shares ISA or Impact Investment Account has a linked Cash Account. Cash Accounts are used for:
- holding the cash that you will use to make new investments, including regular monthly investments
- receiving dividend payments
- receiving proceeds from selling shares
- holding cash to cover your Annual Service Charge (which is charged quarterly)
You may have more than one Cash Account as a separate Cash Account is needed for each investment account you have. For example, you may have one Stocks and Shares ISA Cash Account, a Junior Stocks and Shares ISA Cash Account, a sole Impact Investment Cash Account and a joint Impact Investment Cash Account.
You will see your Cash Account coupled next to the Stocks and Shares ISA, Junior Stocks and Shares ISA or Impact Investment Account it is linked to, in your account ‘Overview’ in the Triodos Mobile Banking App or Internet Banking.
If you are adding money to your Cash Account for the first time, then this will need to be transferred from your nominated bank account. Subsequent payments into your Cash Account (ready to purchase more shares or to cover your Annual Service Charge) can come from any of your accounts. Take care to select the correct Cash Account to transfer money into as you may have more than one Cash Account as described above. You can find your Cash Account bank account number within the Mobile App or Internet Banking.
Once you add money into a Stocks and Shares ISA Cash Account or a Junior Stocks and Shares ISA Cash Account, this will count as an ISA subscription for the current tax year.
Money held in a Stocks and Shares ISA or Impact Investment Cash Account can be transferred out to your nominated bank account, but withdrawals are not permitted from Junior Stocks and Shares ISAs. You may want to keep some money in your Cash Account to cover the Annual Service charge (charged quarterly), to cover regular monthly investments or to have a balance available to purchase more shares on an ad hoc basis. If you do not keep enough money in your Cash Account to cover your Annual Service Charge, we will instruct to sell shares in your investments to cover the required amount. See What are the charges for investing? for more details on the Annual Service Charge.
You may also wish to set up a standing order to make regular payments into your Cash Account, to ensure money is available for your quarterly Annual Service Charge and/or for any regular monthly investments you set up. For more information see How do I add money to my Cash Account?
If you set up a standing order into your account, please ensure the money will be received and cleared in your Cash Account before your monthly investment date, bearing in mind that standing orders will not be processed on a weekend or a bank holiday.
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If you are adding money to your Cash Account for the first time, then this will need to be transferred from your nominated bank account. Subsequent payments into your Cash Account (ready to purchase more shares or to cover your Annual Service Charge) can come from any account in your name. Take care to select the correct Cash Account to transfer money into as you may have more than one Cash Account. For example, you may have one Stocks and Shares ISA Cash Account, a Junior Stocks and Shares ISA Cash Account, a sole Impact Investment Cash Account and a joint Impact Investment Cash Account.
You can find your Cash Account bank account number within the Triodos Mobile Banking App or Internet Banking, use this along with our sort code 16-58-10.
You may wish to set up a standing order to make regular payments into your Cash Account, to ensure money is available for your quarterly Annual Service Charge and/or for any regular monthly investments you set up.
If you set up a standing order into your account, please ensure the money will be received and cleared in your Cash Account before your monthly investment date, bearing in mind that standing orders will not be processed on a weekend or a bank holiday.
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There is an Annual Service Charge paid quarterly by Impact Fund investors and an Ongoing Charges Figure which is deducted from the fund daily and therefore not paid separately.
Annual Service Charge – paid by you quarterly
The Annual Service Charge is tiered, so customers who hold more than £250,000 in either their Triodos Impact Investment Account, Stocks and Shares ISA or Junior Stocks and Shares ISA will pay a lower percentage on the investment balance over this amount.
Holdings in either a Triodos Impact Investment Account or Stocks and Shares ISA
- The percentage charged per annum on any balance of holdings up to and including £250,000.00 is 0.40%
- The percentage charged per annum on any balance of holdings £250,000.01 and over is 0.20%
The Annual Service Charge (ASC):
- is a charge that is collected by Triodos Bank UK to cover costs of providing our investment service, including administration costs.
- is expressed as an annual percentage but calculated and paid quarterly, based on the average value of your holding across the previous quarter.
- is paid from money in the linked Cash Account or by selling shares if there isn’t enough cash available (see below for details).
On the first Calendar Day of a new quarter we will check your Cash Account to see if cash is available to cover the Annual Service Charge for the previous quarter. If cash is available, it will be earmarked and deducted on the first weekday of the quarter. If you do not have enough money in your Cash Account to cover an upcoming Annual Service Charge, we will try to contact you beforehand by email or letter to let you know, so that you can pay into your Cash Account if you would like to.
If there is an insufficient cash balance on this day, we will instruct to sell shares in your investments to cover the whole amount (there is no charge to pay your Annual Service Charge in this way). The dealing instruction will be automatically generated to proportionately sell enough shares within your account based on your holding on the first Calendar Day of the new quarter.
There may be occasions where we need to change the date on which we debit the Annual Service Charge (for example, if trading on a Sub-fund closes). If this should happen, we will take the Annual Service Charge within the first seven days of the quarter. If your Annual Service Charge is paid by selling shares, we will make sure you are not disadvantaged if the price per share is different to the price that would have applied at the beginning of the quarter.
For more information, please also see How can I pay for my Annual Service Charge? and How do you decide which shares to sell from my holdings to cover my Annual Service Charge?
Please be aware that the sale of shares to cover the Annual Service Charge is classified as a disposal for Capital Gains Tax purposes and may need to be declared to HMRC (unless they are held in a Stocks and Shares ISA or Junior Stocks and Shares ISA).
The Annual Service Charge will be itemised on your quarterly statement, which provides a breakdown of all charges applied over the previous quarter along with any additional trades during the period.
Ongoing Charges Figure – deducted from the fund daily and not paid separately by you
The Ongoing Charges Figure (OCF):
- is the ongoing costs of running the funds, also known as the Total Expense Ratio or TER). The OCF includes the fund managers Annual Management Charge and other expenses of running the fund, such as the board of directors and audit fees. The Annual Management Charge is the charge taken by Triodos Investment Management to select investments based on their sustainable and financial performance.
- is expressed as an annual percentage and calculated and deducted from the fund daily. The charge is reflected in the value of the fund and you do not need to pay for it separately.
- can be found in the Key Investor Information Document (KIID) and may vary.
- includes the cost of converting between sterling and euros when buying and selling, which is charged at 0.2% of the exchange rate used (this fee is not applied directly to individual investments, it is shared by all euro and sterling investors in the fund and is already accounted for in the published share price).
Please visit the fund pages on our website for details of the current OCF:
Triodos Global Equity Impact Fund
Triodos Future Generations Fund
Triodos Sterling Bond Impact Fund
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Yes. You can transfer an existing cash ISA to your Triodos cash ISA. If you don't already have a Triodos cash ISA, you will need to open one first. Explore our range of ethical ISAs to find the right one for you, then apply via the Triodos Mobile Banking App.
To request the transfer, you’ll need to download and complete the relevant form below. The forms are interactive so you can fill out your details online, but you’ll need to print the form and sign it using a pen before returning to 'Freepost TRIODOS BANK'. Alternatively, you can submit your signed and completed form via the chat function in the Triodos App.
We’ll transfer your money directly between your ISAs and protect your tax-free ISA status. Do not move your money out of an ISA yourself, because your money will lose this ISA status.
The transfer process usually takes between 14-30 days. We’ll write to you when the transfer is complete.
If you are transferring to a new Fixed Rate ISA, please note that it can take up to 30 days to complete a transfer. We must receive your money from your existing provider within 60 days of the Fixed Rate ISA account opening date, so please make sure you start the transfer process as soon as possible.
Downloads
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The ISA allowance is the maximum amount you can invest across all types of ISAs in any one tax year. You can put your whole allowance into a particular type of ISA or you can split it between the different types of ISAs: Cash, Stocks & Shares, Lifetime and Innovative Finance. The ISA allowance for the 2026/27 tax year is £20,000. For Junior Cash ISAs, the allowance is £9,000.
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Yes, you can split your ISA allowance into different types of ISA: Cash, Stocks & Shares, Lifetime, and Innovative Finance.
Since 6 April 2024, you have been able to subscribe to more than one Cash, Stocks & Shares or Innovative Finance ISA in the same tax year. However, it is still only possible to have one Lifetime ISA. Please note that Triodos does not offer Lifetime ISAs.
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Yes, you can transfer other cash ISAs into a Triodos Fixed Rate Cash ISA. You can transfer previous and current years subscriptions held in another cash ISA. Transfers must be complete and your money received into your Triodos Fixed Rate Cash ISA within 60 days from account opening.
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The person with legal parental responsibility who opened the account. When the account holder turns 16 the child may apply to be the account operator.
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To top up a Triodos cash ISA you can:
- Make an online payment from another account (either an account with another provider or another Triodos account that allows withdrawals).
- Send us a cheque if the Triodos cash ISA you want to top up accepts cheque.
The following accounts do not accept cheque payments:
- Online Cash ISA
- Fixed Rate Cash ISAs
If you want to deposit a cheque, please post it along with your account details or a paying-in slip to: ‘Freepost TRIODOS BANK’ (no stamp required)
The Triodos Bank sort code is 16-58-10 and you can find your Triodos cash ISA account number by logging in to your account online or via the Triodos Mobile Banking App, or by checking your bank statements.
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Withdrawals are not allowed until maturity for Fixed Rate ISAs. The only exception to this is if you close the account and/or transfer the full balance to another ISA. Early closure will result in an early access charge being applied equivalent to a number of days of interest.
2 year term – 180 days’ interest
3 year term – 270 days’ interest
You will still earn interest up to the closure date and the charge will be taken from the account balance. Depending on the date of closure, you may get back less than originally deposited.
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To top up a Triodos Stocks and Shares ISA or Junior Stocks and Shares ISA, simply make an online payment into your linked Stocks and Shares ISA Cash Account or Junior Stocks and Shares ISA Cash Account. Once you add money into a Stocks and Shares ISA Cash Account or Junior Stocks and Shares ISA Cash Account, this will count as an ISA subscription for the current tax year.
You can then take your time to decide what investments you would like to make, safe in the knowledge that your money has already counted as a subscription for the current tax year.
The Triodos Bank sort code is 16-58-10 and you can find your Triodos Stocks and Shares ISA Cash Account or Junior Stocks and Shares ISA Cash Account number by logging in to your account online or via the Triodos Mobile Banking App, or by checking your account statements.
Remember that investments go up and down in value, so you could get back less than you put in.
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The notice period has been removed from Triodos Cash ISA, Triodos Saver and Triodos Charity Saver. As a result these are now instant access accounts and no early access penalties will be applied.
For Fixed Rate ISAs withdrawals are not allowed until maturity. The only exception to this is if you close the account and/or transfer the full balance to another ISA. Early closure will result in an early access charge being applied equivalent to a number of days of interest.
2 year term – 180 days’ interest
3 year term – 270 days’ interest
The charge will be taken from the account balance, so you may get back less than originally deposited. In exceptional circumstances the early access charge can be waived at our discretion.
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Each child can have one Junior cash ISA and one Junior stocks and shares ISA at any one time. These can be with different providers.
A child cannot hold both a Junior ISA and a Child Trust Fund, with the same or different providers.
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We are not currently opening new Junior Cash ISAs, however you can transfer funds from your Right Start Saver into an existing Junior Cash ISA, subject to the Junior ISA allowance of £9,000 for the 2026/27 tax year.
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A nominated account is an account in your name(s) with either another UK bank or building society, or an existing Triodos Bank UK account that allows you to transfer funds.
You need a nominated account when applying for one of our accounts online and your opening deposit must be made by electronic transfer from your nominated account. Also if you want to transfer money from your account online, you must do so to your nominated account or another Triodos Bank UK account in your name.
You may have up to three nominated accounts. In the case of sole Account holders, they must all be personal accounts held in your name. In the case of joint Account holders, you may choose one joint personal account held in both your names and one sole personal account each.
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Yes. As long as the child was a UK resident when the Junior cash ISA was opened, you will still be able to pay into the Junior cash ISA even though you and/or the child have moved abroad.
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Yes you can. As long as your deposits are received within 60 days of opening the account, you may be able to subscribe into your Fixed Rate Cash ISA for two consecutive tax years. You will need to check the date your last deposit is allowed, this will be detailed on your account opening letter.
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Before the child turns 18 we will contact you to confirm that the Triodos Ethical Junior Cash ISA will become a variable rate cash ISA on the child’s 18th birthday. After this date the child can decide what they wish to do with the account/funds.
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A child may only hold one Junior cash ISA and one Junior stocks and shares ISA at any time and cannot hold a Junior ISA and a Child Trust Fund at the same time.
You can however apply to transfer a Junior ISA or a Child Trust Fund from one provider to another. You can also transfer between the different types of Junior ISA, in either direction.
Junior ISA- Transfers of current year’s subscriptions or transfers between the same type of Junior ISA must always be done in full.
- Partial transfers can only be done if they are previous years’ subscriptions and you are moving the subscriptions between different Junior ISA types e.g. Junior cash to Junior stocks and shares or Junior stocks and shares to Junior cash.
- The whole of the Child Trust Fund must be transferred and the Child Trust Fund subsequently closed.
- The annual subscription allowance for a Child Trust Fund is based on the child’s birth year while Junior ISA subscriptions are based on tax years. When a transfer of a Child Trust Fund to a Junior ISA has been made, the child can use the full Junior ISA subscription allowance for the tax year in which the transfer takes place regardless of any subscriptions made to the Child Trust Fund in that year. This only occurs in the tax year in which the Child Trust Fund is transferred, in subsequent years only the Junior ISA allowance can be used.
We are not currently opening new Junior Cash ISA accounts, so for now transfers can only be made to existing Junior Cash ISAs.
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By completing an application for any of our Personal Savings accounts online you are automatically registered for Internet Banking and can manage your account online.
If your application was made by post, then Internet Banking access is available for the following Personal Savings accounts:
- Triodos Saver
- Triodos Cash ISA
- Triodos Regular Saver
- Triodos Fixed Regular Saver
- Triodos Charity Saver
You can also access Triodos Right Start Saver and Junior ISA accounts online, but you can't make payments from these accounts.
If you want to apply to manage your existing Triodos account online, download the application form below or call us on 0330 355 0355 and we'll send you one. Before completing an application form, please ensure you have read our Terms and Conditions for personal savings accounts below.
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We will write to you one month before your Fixed Rate Cash ISA matures, asking you to let us know what you'd like to do with your funds. If we don’t hear from you, the account will automatically mature and change into an Online Cash ISA, keeping the same account number as your Fixed Rate Cash ISA.
You will then be able to keep the funds in this account and make further deposits, transfer the funds to another ISA (using a transfer form to retain the ISA status of the funds) or transfer the funds to your nominated account.
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Yes, you can change your existing Triodos cash ISA to a Triodos Online Cash ISA or Fixed Rate Cash ISA by completing the form below.
Changes to a different type of Triodos cash ISA are not permitted from Triodos Ethical Junior Cash ISAs or non-ISA savings accounts.
Before downloading the form to change your account type, please make sure you have read the following;
- Key Features Document for Triodos Online Cash ISA
- Key Features Document for Triodos Fixed Rate Cash ISA
- Personal Banking Terms and Conditions
- Tariff of charges for Personal Customers
- FSCS information sheet
Once you have read the important information above, please complete and return the form to us either by chat message in internet banking, or post to: Freepost TRIODOS BANK.
On receipt of a completed request, we will change the type of cash ISA you hold, the balance of your account and your account number will remain the same. All money held in the account will maintain its tax-free status and the change will not affect your subscription allowance. We will write to you to confirm when we have actioned your request.
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Yes, you can. However, from 17 December 2025, you will only be able to make payments in three currencies: British Pound (GBP), Euro (EUR) and US Dollar (USD).
To make a payment in a currency other than GBP, log in to your Internet Banking and click on Payments and choose the International Payment option. You will then be able to choose which currency you want to send and then complete all the relevant details. This is currently not available in the Triodos App. The charges for this service are explained in the Personal Banking Tariff for current and savings accounts.
In the UK, International payments are processed using the NatWest Mid-Market rate. The actual amount debited is calculated using the exchange rate used by NatWest at the time they send the funds. This is not available in advance.
We display the European Central Bank (ECB) rate in internet banking as an indication only.
The recipient bank, and any other bank used to send the payment, may charge additional costs to process a payment in a foreign currency which may mean the beneficiary will receive a lower amount.
Please note the cut-off time for International Payments is 1pm each working day. Timings for these payments being received vary depending on where the funds are going to. Please allow up to 10 business days for them to arrive if they are being sent outside of Europe.
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When you pay funds into your Account, your funds will start earning interest from the day the funds are paid into your Account.
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It is only possible to make withdrawals from the Junior ISA once the child turns 18. The only exception is if the child becomes terminally ill, or dies.
It is however possible to transfer a Junior Cash ISA to a Junior ISA with another provider.
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How-to guides
How to buy shares or top up your impact investment
How to transfer an ISA to a Triodos cash ISA
How to set up a regular monthly investment
Change the type of cash ISA held with Triodos Bank
How to transfer an existing ISA to a Triodos Stocks & Shares ISA
How to transfer an existing Junior ISA to a Triodos Junior Stocks and Shares ISA
Documents
- Terms and Conditions for our Impact Investment Funds, Ethical Stocks and Shares ISA and Junior Stocks and Shares ISA286 KB, PDF
- Financial Services Compensation Scheme (FSCS) information sheet226 KB, PDF
- Personal banking tariff for current and savings accounts≈ 1 MB
- Transfer between existing Triodos ISAs ≈ 1 MB
- Triodos Two Year Fixed Rate Cash ISA Key Features94 KB, PDF
- Privacy Statement≈ 1 MB
- Cash ISA account type change request form109 KB, PDF
- Transfer an ISA from another provider to a Triodos cash ISA≈ 1 MB
- Triodos mobile app terms and conditions≈ 1 MB
- Triodos Impact Investment Funds and Ethical Stocks and Shares ISA Supplementary Information Document121 KB, PDF
- Transfer to the Triodos Junior ISA from another provider≈ 1 MB
- Personal Savings: Change of account type request form≈ 1 MB
- Interest rates for personal accounts - including discontinued accounts115 KB, PDF
- UK Best Execution Policy95 KB, PDF
- Terms and Conditions for our personal savings accounts244 KB, PDF
- Savings factsheet69 KB, PDF
- Junior Cash ISA key features73 KB, PDF
- Triodos Online Cash ISA Key Features62 KB, PDF